Midwest Rewards Checking

Bring home up to a 1.51%^ APY on top of already-free checking. Plus, get reimbursed for your ATM fees, not just in Minnesota — that's nationwide!* Reward Checking puts more of your cash back where in belongs, where you can spend it. Meet easy monthly qualifications and earn real rewards. It's simple. Check out the Rewards Checking Calculator.

Easy, Penalty-free Qualifications!

There's never a fee for missing your monthly qualifications. Rather straightforward requirements are your path to a higher rate and unlimited refunds on ATM fees.* To earn your complete rewards, just do the following during each monthly qualification cycle:

Have at least one Direct Deposit post and settle

Have at least 10 debit card purchases post and settle

Be enrolled and receive electronic statements

That's it. Plus, your Rewards Checking account is always free. And you always earn at least our base-rate interest, even if you miss a month. Plus, qualify automatically for your first month of rewards when you open your account today!

^Rate and Limitation Information: Earn up to 1.51% Annual Percentage Yield (APY) on balances between one penny and $25,000, and balances over $25,000 earn 0.20% APY on the portion of balance above $25,000 resulting in a range of 1.51% to 0.53% APY depending on the balance. *If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive automatic ATM fee refunds for that time period. In this instance you may still receive your ATM fee refunds by bringing your receipts into any Midwest Bank branch. ATM fee refunds up to $5 per item. ATM transactions do not count towards qualifying debit card purchases. Rates as of March 2, 2015. We may change the interest rate and APY at any time after the account is opened. Available to Personal Accounts only. Limit one account per Social Security number. No monthly service charge.